Discover it^® Miles Review [2024]: A Solid Starter Travel Card

Card basics

Who should get Discover it^® Miles?

I think this card could be a good fit for someone just dipping their toes into earning Miles for the first time. For one, it has a $0 annual fee, so you’re not out any funds just for adding it to your wallet. It’s not co-branded with a specific airline or hotel, so you have flexibility. And the earning rate is simple at 1.5X on all eligible purchases, so that’s uncomplicated as well.

But all of those criteria are also met by the Bank of America^® Travel Rewards credit card, so why the Discover it Miles card?

The welcome offer. Discover will match all the Miles you’ve earned at the end of your first year. Given that, there’s a lot of value in that offer. For example, if you earned $250 in Miles over the course of your first year, you’d receive another $250 as a match at the end of the year, for $500 total.

For comparison, the Bank of America Travel Rewards card allows you to earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. That’s a decent offer, although the spending requirement is a bit high.

There’s no limit to the potential of the Discover it Miles card’s welcome offer, though. That’s what makes it a good value, especially if you’re on the fence about getting a travel card.

Who shouldn’t get this card?

Points and miles maximizers are likely going to give this card a pass, and they should. This card doesn’t have any categories that allow you to earn a higher rate. And it doesn’t allow you to transfer your Miles to an airline or hotel transfer partner and book travel through the partner.

For example, the Chase Sapphire Preferred^® Card allows you to transfer points to several partners, including JetBlue, United, and Southwest. From there, you can book an award flight with one of those airlines directly. That has the potential to boost the value of your points, depending on how much the flight is.

So if you’re looking to get into the points and miles game, this card won’t be right for you.

It also won’t be right for you if you’re looking for perks like lounge access, trip interruption insurance, and car rental insurance. For those perks, you typically need to pay an annual fee. And lounge access, in particular, typically requires a hefty one. For example, the Chase Sapphire Reserve^® includes it, but it comes with an annual fee of $550.

Other notable benefits

Introductory APR periods

The Discover it Miles card offers:

• An intro APR on purchases: New cardmembers can take advantage of a 0% introductory APR on purchases for 15 months after account opening (then 18.74% - 27.74% Variable).
• An intro APR on balance transfers: Intro APR of 0% on balance transfers for 15 months, then 18.74% - 27.74% Variable.

These aren’t the longest intro APR periods available (you can find balance transfer intro APR periods for 18 months or more). And while they’re helpful, I’d be cautious about using the balance transfer one if your plan is to use this card for rewards.

After all, your welcome offer applies to purchases you make during your first year. And like any card, you’ll have a credit limit. If you take up some or all of your available credit with a balance transfer, you won’t have room to make purchases to earn rewards.

Let’s say you start with a credit limit of $5,000. If you do a balance transfer of $4,000, you’re left with $1,000 for purchases. That puts a dent in your ability to use this card to its full earning potential, and you’ll miss out on Miles that could count toward your first year Cashback Match™.

If you’re looking to transfer a balance, I’d consider a card that’s primarily designed with balance transfers in mind. Personally, I like the Citi^® Diamond Preferred^® Card and its 0% introductory APR on balance transfers for 21 months, then 17.49% - 28.24% (Variable).

First late fee forgiveness

Early in my credit card journey, I struggled with staying on top of my payments. An option like getting my first late fee forgiven would have been helpful. After all, mistakes do happen. You might forget about the automatic payment and not have enough in your account, or simply forget to pay manually.

That said, that is a one-time courtesy, and from there, you’ll need to pay a late payment fee of up to $41 if you miss a subsequent payment. In related news, there are also no over-the-limit fees charged — your card will just be declined if you exceed your credit limit.

Earning & redeeming miles

Potential earnings in years one and two

Here's a look at how your miles can add up with the Discover it Miles credit card. To calculate these values, we used a point valuation of 1 cent per mile.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1,275

Year two earnings: $638

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

There’s no one best way to earn Miles with this card, given that you automatically earn unlimited 1.5x Miles on every dollar of every purchase with no limits. You could use it for one large purchase to earn miles and take advantage of the intro APR period on purchases. Or you could shift some or all of your day-to-day spending to the card to earn more Miles.

Maximizing your redemptions

Discover it Miles can be redeemed for:

• Travel purchases
• Purchases on Amazon.com
• Purchases when you pay using PayPal
• Cash deposited into your bank account

No matter how you redeem your miles, they’re worth around one cent each. Since you don't get any more bang for your buck by redeeming against a specific category, you can simply redeem them on anything you wish.

Redeeming Miles for travel purchases is especially simple, as you can use them as a statement credit to cover purchases.

There’s no minimum number of miles required to redeem either, so you can use your miles as soon as you earn them. You can also let them build up and use them to finance a family vacation or a big purchase. This makes for very flexible redemptions.

Other cards to consider

If the Discover it® Miles doesn’t feel like the best credit card for you, there are other options to consider from other credit card issuers.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the best travel credit cards. It does have a $95 annual fee, but I’ve found it to be worth paying since this card gives me access to various travel-related benefits, including travel insurance, up to $50 in annual statement credits for hotel stays booked via Chase Travel℠, point transfers to Chase's partner loyalty programs, and more.

Learn more in our Chase Sapphire Preferred review.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card provides the chance to earn miles with a simple rewards program like the Discover it Miles card while offering various travel benefits. You automatically earn unlimited 1.5x Miles on every dollar of every purchase. Additionally, you can earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening.

This card has a $95 annual fee. But you also get extra perks, including up to a $120 credit for Global Entry or TSA PreCheck® and travel insurance.1

Learn more in our Capital One Venture Card review.

FAQ

Bottom line

The Discover it^® Miles(Rates and fees) is a good fit for people who want a simple and easy-to-keep travel credit card. With a $0 annual fee and the ability to automatically earn unlimited 1.5x Miles on every dollar of every purchase, this card offers a solid base for travel rewards.

However, as a $0-annual-fee card, it doesn’t offer many travel benefits and perks. Consider the Chase Sapphire Preferred^® Card and the Capital One Venture Rewards Credit Card or review our list of the best travel credit cards.

Earn 2 Times the Miles in Your 1st Year

Discover it^® Miles

4.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Discover it^® Miles

Apply Now

Rates and fees

Current Offer

Discover will match all the Miles you’ve earned at the end of your first year.

Annual Fee

$0

Rewards Rate

Automatically earn unlimited 1.5x Miles on every dollar of every purchase

Benefits and Drawbacks

Benefits

• Simple, flat-rate Miles make it easy to know how much you’re earning in rewards
• Discover will forgive your first late payment (late payment fee of None the first time you pay late. After that, up to $41. if you miss a subsequent payment)
• No foreign transaction fees

Drawbacks

• No bonus categories
• No travel perks

Card Details

• UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
• Automatically earn unlimited 1.5x Miles on every dollar of every purchase
• No annual fee
• Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
• 0% intro APR for 15 months on purchases. Then 18.74% - 27.74% Standard Variable Purchase APR will apply.
• Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Terms and conditions apply.